US SB3368

Extends enhanced premium tax credits for ACA marketplace plans through December 31, 2028, allowing individuals with household incomes above 400% of the federal poverty line to remain eligible for subsidies

Extends the plan year 2026 open enrollment period through May 1, 2026, and requires health insurers to notify enrollees within 15 days about changes to premium assistance eligibility and extended enrollment periods

Allocates $100 million for the Navigator program on federal exchanges to help consumers enroll in coverage, and prohibits navigators from charging fees or requesting remuneration from applicants

Establishes special monthly enrollment periods for low-income individuals (below 150% of poverty line) and creates automatic reenrollment from bronze to silver plans for eligible enrollees

Caps premium tax credit repayment amounts for households below 400% of poverty ($600-$2,500 depending on income) and limits allowable premium adjustment percentages to prevent large premium increases starting in 2026